Insurance Options for Individuals Under 65
Not YEt Medicare Eligible? you STILL HAVE COVERAGE OPTIONS.
If you are under age 65, you may not be eligible for Medicare yet — but you still have important insurance options to help protect your health, income, family, and future.
Why Work With Plan Medicare?
Insurance can feel confusing, especially when you are trying to compare health plans, supplemental coverage, travel protection, and future care planning. Our role is to help you understand what each option does, what it does not do, and how it may fit into your overall coverage strategy.
Clear Guidance
We explain your options in simple terms, without confusing insurance jargon.
Multiple Options
We help you compare different types of coverage based on your needs and stage of life.
No-Cost Help
There is no cost to speak with our team about your insurance options.
Who Should Consider These Insurance Options?
Individuals Under 65
If you are not yet Medicare eligible, you may need individual health coverage or supplemental protection.
Early Retirees
If you retired before 65, you may need coverage until Medicare begins.
Self-Employed Individuals
If you do not have employer coverage, ACA plans and supplemental insurance may be important options to review.
Families
Families may need help comparing health insurance, critical illness protection, and travel medical coverage.
Which Type of Coverage May Be Right for You?
| Insurance Option | What It Helps With | Best For |
|---|---|---|
| Critical Illness Insurance | Cash benefit after a covered serious diagnosis | People who want extra financial protection from major illness |
| Long-Term Care Insurance | Future care needs at home, assisted living, or nursing facilities | People planning ahead to protect assets and family |
| ACA Health Plans | Primary health insurance before Medicare | Individuals, families, early retirees, and self-employed people |
| Travel Medical Insurance | Medical emergencies while traveling internationally | Travelers who want medical protection outside the U.S. |
Need Help Understanding Your Options?
Whether you need health insurance before Medicare, extra protection from a serious illness, travel medical coverage, or help planning for long-term care, Plan Medicare can help you compare your options.
Frequently Asked Questions
Can Plan Medicare help people who are under 65?
Yes. While Plan Medicare is known for Medicare guidance, we can also help individuals under 65 understand insurance options such as ACA health plans, critical illness insurance, travel medical insurance, and long-term care planning.
What insurance options are available before age 65?
Common options include ACA Marketplace health plans, employer coverage, COBRA, short-term coverage in some situations, critical illness insurance, travel medical insurance, and long-term care insurance.
What is critical illness insurance?
Critical illness insurance provides a cash benefit if you are diagnosed with a covered serious condition. The benefit can be used however you choose, including medical bills, household expenses, lost income, or travel for treatment.
Is critical illness insurance the same as health insurance?
No. Critical illness insurance is not a replacement for health insurance. It is supplemental coverage that can provide extra financial support after a covered diagnosis.
What are ACA health insurance plans?
ACA plans are individual and family health insurance plans available through the Health Insurance Marketplace. They may be helpful if you are under 65 and do not have employer coverage.
Can I get help paying for an ACA plan?
Depending on your household income and eligibility, you may qualify for premium tax credits that reduce your monthly ACA plan premium.
What is long-term care insurance?
Long-term care insurance helps cover the cost of care if you need assistance with daily activities such as bathing, dressing, eating, or moving around due to illness, injury, aging, or cognitive decline.
When should I consider long-term care insurance?
Many people begin reviewing long-term care insurance in their 40s, 50s, or early 60s. Applying while you are younger and healthier may give you more options.
What is travel medical insurance?
Travel medical insurance helps protect you from unexpected medical costs while traveling outside your home country. It may include emergency medical care, hospital treatment, and emergency evacuation benefits depending on the plan.
Do I need travel medical insurance if I already have health insurance?
Possibly. Many U.S. health insurance plans provide limited coverage outside the United States. Travel medical insurance can help fill that gap when you are traveling internationally.
Do I need all of these insurance options?
Not necessarily. The right options depend on your age, health, family situation, travel plans, income, existing coverage, and financial goals. An advisor can help you decide which options are worth considering.
Does it cost anything to speak with Plan Medicare?
No. There is no cost to speak with Plan Medicare about your insurance options. If you enroll in a plan through our agency, we may be compensated by the insurance carrier.
Compare Insurance Options Before Medicare
Planning before age 65 can help you avoid coverage gaps, reduce financial risk, and feel more confident about your health insurance decisions.